让好政策真正落地见效，需要打好组合拳。要健全医保、医疗、金融等多方联动的长效机制，更多部门 做好同向发力，打通数据壁垒、破除流程梗阻，以系统化合力推动便捷支付迈向"全域贯通"。 新华社北京1月8日电 聚焦群众看病就医缴费"多次排队""排长队"等堵点，国家医保局1月8日明确，加 快推进刷脸支付、一码支付、移动支付、信用支付在各类医疗场景落地，力争用3年左右时间构建医保 便捷支付体系。 优化缴费环节、减少排队时间，让数据多跑路、让群众少跑腿，纾解群众就医环节中的困扰，这一举措 值得点赞。 百姓心头的烦心事，正是民生改革的发力点。从开通线上异地就医备案办理功能，到推动影像数据跨省 异地调阅共享"扩围"，再到努力构建医保便捷支付体系……一项项举措陆续出台，从不同环节入手努力 提高群众就医体验。 把好事办好，把难事办成！期待更多领域的改革破题，出实招、硬招，让民生福祉更有质感。（新华社 记者彭韵佳） 既要按下技术升级的"快进键"，也要拧紧服务优化的"暖心阀"。在用便捷支付解决缴费痛点的同时，对 老年人等重点群体，通过开设"绿色通道"等方式做好配套服务，让少排队成为常态，让好服务深入人 心。 解决看病缴费排长队只是第一步 ...

四种不同的支付方式，为的是针对性解决不同人群的缴费痛点。刷脸支付即通过"刷脸"完成身份验证与 缴费，无需携带实体卡或手机，尤其适合忘记带卡、不擅长操作智能手机的老年人等群体。一码支付即 一次扫码，同步完成医保报销、个人账户支付、个人负担缴费，让患者不用再在不同窗口来回跑，让缴 费环节更集成、更简化。移动支付指患者可以通过手机App、小程序等，线上完成挂号、缴费、医保报 销全流程，无需排队使用自助机或到窗口进行缴费，尤其适合孕妇、残疾人等行动不便的患者。信用支 付以参保人与银行的契约关系为前提，个人负担的现金部分由银行在核定的授信额度内先支付给医疗机 构，实现"医院看病，回家付钱"。 这一份惠民清单有着明确的时间表：首批推进的城市原则上每个省份不少于2个，各省份要确保2026年 首批推进地区和定点医疗机构落地见效，2027年基本实现省内统筹地区全覆盖，2028年省内符合条件的 定点医疗机构全面推开。 国家医保局表示，建设医保便捷支付体系，将赋能医疗机构管理，改善就诊秩序，释放优质医疗资源， 同时推动信用场景从金融消费延伸至民生领域，为社会信用体系注入高质量、真实闭环的行为数据。 （来源：千龙网） 国家医保局办公 ...

为营造喜庆祥和的新春消费氛围，大力提振消费，南京市建邺区将从2025年12月31日起，面向在建邺区 消费的市民发放3批政府消费券。市民无需提前抢券，在参与活动的商户通过支付宝"碰一下"支付，即 可自动领券享受"消费满9.9元立减3元"的到店优惠。 系统自动判断是否满足"满9.9元立减3元"条件； 符合条件即自动立减，优惠实时到账。 与传统线上抢券模式相比，此次"即碰即用"的到店消费方式，有效解决了"领而不用、想用抢不 到"、"领券人与实际消费人不匹配"等问题等不公平现象，让政策红利更加精准地惠及真实消费者和实 体商户。 百万消费券，多轮分期投放 为更好匹配元旦、春节、元宵等不同节庆消费场景，本次消费券将分3期投放，并与"欢乐暖冬""喜迎新 春""欢乐元宵"等主题活动联动开展，实现分时段持续释放消费潜力。 创新模式，消费更便捷 本次活动由南京市建邺区商务局主办，创新性地将"碰一下"技术应用于政府消费券发放与核销场景。消 费者到店消费时，无需提前领券、无需定闹钟抢券，只需在结账环节通过支付宝"碰一下"完成支付，系 统即可自动识别是否满足门槛，并直接抵扣优惠金额，实现"即碰即用"。 具体使用流程为： 支付宝搜索「建 ...

管住华纳的"悔婚费"——28亿美元分手费。这条主要是为了防止华纳"另嫁他人"。突然杀出个恶意并购 的派拉蒙，对华纳开出更好的条件，华纳心动了，决定抛弃奈飞跟别人好那就要付这笔钱。在需要华纳 自家股东投票批准这桩婚事时，如果华纳的董事会不但不积极促成反而劝股东们投反对票，导致婚事告 吹，也得赔钱。 拴住奈飞的"诚意保证金"——58亿美元分手费。这条是约束奈飞的，而且金额特别巨大，是整份协议最 关键的部分。最主要、几乎唯一的原因就是：政府不批准。比如，美国或欧洲的反垄断机构认为两家公 司合并后市场权力过大，会妨碍公平竞争，从而一票否决。 当2016年中国化工集团以430亿美元的天价迎娶瑞士种业农化巨头先正达时，这笔迄今中国最大金额海 外并购，标志着中企海外并购的巅峰。他们的婚前协议里藏着惊人的一笔约定：如果婚事没成，男方要 赔女方30亿美元的"青春损失费"，而女方悔婚也要赔偿男方8.48亿美元。 想象一下并购交易是一场"企业联姻"，分手费是卖方违约时给买方的补偿，反向分手费是买方违约（或 因买方相关原因导致交易黄了）时给卖方的补偿。反向分手费和分手费（为了简化统一合称为"分手 费"），就像是婚姻中的"婚前协议"。 ...

香港金融管理局（金管局）今日（12月19日）公布2025年第3季储值支付工具持牌人所发行的储值支付 工具计划的统计资料。 与2024年第3季末比较，2025年第3季末使用中的储值支付工具帐户总数上升7.7%，而储值金额及工具 按金总额则上升11.8%。2025年第3季度总交易量及总交易金额与2024年同期相比分别增加3.8%及 13.4%。 储值支付工具统计包括相关期内的储值支付工具持牌人所发行的储值支付工具计划的季度资料。 根据季度统计资料，于2025年第3季末，使用中的储值支付工具帐户总数为8,340万个，按季上升0.8%。 在2025年第3季，储值支付工具总交易量约为21亿宗，较上一季上升0.5%，而总交易金额为2,689亿港 元，较上一季下降5.9%。 总交易金额当中，452亿港元为销售点消费支付，306亿港元为网上消费支 付，165亿港元为个人对个人转帐，654亿港元为提款，1,112亿港元为增值。2025年第3季末的储值金额 及工具按金总额为207亿港元，较上一季上升1.7%。 ...

中新网广州12月18日电 (记者 方伟彬)广东省高级人民法院18日发布一批破产重整服务保障民营经济发 展典型案例。 数据显示，2023年以来，广东法院充分发挥破产重整拯救功能，助力广田集团等10余家上市公司"摘 星""脱帽"、243家企业重整再生，帮助稳住就业岗位5万余个，安置职工6万余人，盘活存量资产783亿 元，释放土地资源4000万平方米。 当天发布的案例涉及房地产、金融支付、医疗科技、光伏新能源、跨境电商等多个行业，重整对象既有 上市公司和大型企业集团，又有中小微企业和个人。 在仁某控股公司预重整转重整案中，法院创新"行政预诊断+司法预重整"模式，仅用51天即成功化解超 50亿元债务，成为上市公司重整新规出台后全国首例上市公司重整成功案件。 在余某、张某某个人破产重整案中，法院创造性建构了"个人破产合并处理小微企业债务"的可复制模 式，同步挽救小微企业及其经营者，为鼓励创业创新提供了司法支持。 在高某实业公司重整案中，法院指导管理人以共益债形式，通过投融资平台成功引入商业银行信用贷款 3000万元，实现了破产企业直接向金融机构融资的重大突破，有效盘活八年"烂尾楼"。 近年来，广东法院强化破产重整拯救功 ...

历史的回音总是会在最意想不到的时刻展现其深刻的意义。2025年，中美再度站在了关税战的风口浪 尖，但这一次，世界的背景发生了变化。中国已不再是2000年那个刚刚加入世贸组织的国家，也不像 2008年那样，美国孤立无援地试图挽救全球金融体系。今天的世界已经不同，中国的实力发生了变化， 美国的地位也发生了改变。 这场较量背后的逻辑非常简单清晰：中国利用经过三十年积淀的战略定力和庞大市场带来的产业优势， 而美国则通过不断扩大的财政赤字和货币操控维系着它的霸权地位。此次较量，不仅仅是关税层面的争 斗，更是两国制度与国力、信心之间的较量。 2000年时，中国与东盟的贸易额仅为400亿美元。当时中 国提出要与东盟建立自由贸易区，但却遭遇了不少质疑和担忧。许多东盟国家担心自己无法承受与中国 的合作带来的压力。 然而，中国并没有采用强硬的手段，而是提出了一个极具智慧的解决方案——早 期收获计划。通过让出市场、减免关税，甚至有些吃亏，中国换取了信任。如今，回头来看，2024年， 东盟已经成为中国最大的贸易伙伴，双方的年贸易额接近1万亿美元。 这正是战略定力的体现。中国当 时的让步，为小国提供了安全感，而美国今天加征的关税却让连 ...

Core Viewpoint - The "China Purchase · 2025 Boutique Consumption Month (Heilongjiang Station)" event was launched to stimulate consumption and integrate into national strategies for boosting domestic demand and leveraging the spillover effects of the 8th China International Import Expo [1][3] Group 1 - The event is co-hosted by the Heilongjiang Provincial Department of Commerce and the Heihe Municipal Government, marking the beginning of a series of consumption promotion activities across the province [1][3] - The event aims to release the consumption potential of Heilongjiang by deeply integrating local resources with national consumption initiatives [1][3] Group 2 - Various consumer-friendly policies were announced by the Heilongjiang Provincial Household Appliances Association, the Amur Chamber of Commerce from Russia, and China UnionPay Heilongjiang Branch, aiming to create a consumption boom [3] - The event included signing agreements for trade and supply-demand procurement projects with Russia, showcasing the vitality and potential of the Heilongjiang consumption market [3] Group 3 - The "Boutique Consumption Month" is closely linked with ongoing provincial activities focused on "New Big Markets, New Services, New Consumption," creating a synergistic effect [3] - Local cities and counties are actively participating by integrating global perspectives with local quality resources, enhancing the consumption environment and service quality [3]

Core Insights - The eighth China International Import Expo (CIIE) concluded on November 10, showcasing a record number of exhibitors and products, with 4,108 companies from 138 countries and regions participating, marking the highest exhibition area and number of enterprises in history [1][4] Group 1: New Products and Technologies - A total of 461 new products, technologies, and services were launched during the expo, including 201 global debuts, 65 Asian debuts, and 195 Chinese debuts, covering sectors such as biomedicine, green low-carbon technologies, and equipment [4] - The expo highlighted trends in the "silver economy," "pet economy," and "self-care consumption," with products like smart hearing aids, sleep systems, and companion robots gaining popularity [6] Group 2: Trade and Business Engagement - The expo facilitated over 600 rounds of business negotiations, with significant participation from 20 retail chains, leading e-commerce platforms, and 14 state-owned enterprises [8] - The total intended transaction amount reached $83.49 billion, a 4.4% increase from the previous year, setting a new historical high [9] Group 3: Audience and Participation - The event attracted over 922,000 attendees, a year-on-year increase of 8.2%, also a record high [12] - Approximately 50,000 social audience members were invited to experience the expo firsthand, enhancing public engagement [10] Group 4: Forum and International Cooperation - The eighth Hongqiao Forum, part of the expo, featured discussions on trade, cooperation, and supply chain resilience, with over 1,000 participants and 20 outcomes published [14] - The "Silk Road E-commerce" promotion event was launched to assist foreign enterprises in entering the Chinese market, showcasing nearly 100 overseas exhibitors [16][18]

Financial Data and Key Metrics Changes - Revenues grew by 39% year on year, marking the 27th consecutive quarter of growth above 30% [4][91] - Operating income reached $724 million, growing by 30% year on year, demonstrating the ability to balance growth, investments, and profitability [6][91] Business Line Data and Key Metrics Changes - Mercado Pago experienced strong growth with monthly active users accelerating and NPS hitting record highs in Brazil [5] - The credit card portfolio grew rapidly, with all-time low first-paying defaults and a healthy credit quality maintained [6][12] - GMV in Argentina grew by 39% year on year in US dollars and 97% in local currency, with items sold increasing by 34% [12] Market Data and Key Metrics Changes - In Brazil, unit shipping costs decreased by 8% due to higher transaction volumes and better utilization of logistics [5][30] - Mexico saw strong GMV growth, with fulfillment costs continuing to decline [5] Company Strategy and Development Direction - The company continues to invest in free shipping, logistics, and credit card offerings to drive long-term growth [7][64] - Strategic investments are focused on enhancing the value proposition for users and expanding market share in Latin America [4][91] Management's Comments on Operating Environment and Future Outlook - Management remains optimistic about Argentina's long-term growth potential despite macroeconomic challenges [12][13] - The company is focused on capturing growth opportunities in both commerce and fintech, with a disciplined investment approach [64][66] Other Important Information - The company is exploring the potential of Agentic AI to enhance user experience and operational efficiency [85] - The competitive landscape in Brazil remains intense, but the company believes its strategies are rational and effective [87][89] Q&A Session Summary Question: Argentina's macro challenges and growth outlook - Management acknowledged macro challenges but emphasized continued investment and optimism for long-term growth in Argentina [11][12] Question: Active user growth breakdown - The company reported 7.8 million new buyers in the quarter, with a healthy mix of new and returning users [17][51] Question: Merchant adherence to pricing initiatives - Management discussed the introduction of a price monitoring system to enhance buyer experience and seller performance [21][23] Question: Shipping cost dynamics and automation investments - Shipping costs in Brazil decreased by 8% due to better utilization, with ongoing investments in robotics and automation [26][30] Question: Credit card profitability and cohort performance - Older credit card cohorts are profitable, and the company maintains strict underwriting discipline while expanding issuance [32][73] Question: Competitive dynamics in Brazil - Management expressed confidence in their competitive position and rational strategies in the Brazilian market [87][89]